Ikhadi leBhanki elinomlondolozi wasimahla - ingakanani ingakanani? Kuhle
Ukuba uyavuma ukubeka imiqathango yeBhanki okanye ngethuba elihleweyo. I-Phintolk icacisa ukuba ungayihlawuleli njani inkonzo yonyaka kwaye ungabaleki ukuba ungene izohlwayo
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Simahla, kodwa ...
Ngaba ikhadi lokulungisa lingakhululwa? Kwithiyori, iBhanki kufuneka ithwale ilahleko eqhelekileyo kwamakhadi, kuba ukusebenza nganye kuthetha ukuba iindleko zangaphakathi. Nangona kunjalo, esona sibhakana sikhulu eRussia, kwaye nezinye iibhanki zinikezelwe ngamakhadi etyala kunye netyala iminyaka eliqela, ephakanyiswa njenge "mahala".
Umzekelo, ungabhatali ngokugcina amakhadi, kufuneka uchithe ekuthengeni kwii-3,000 ukuya kwi-ruble ezingama-7,000 ngenyanga okanye rhoqo ugcine ikhadi ubuncinci i-ruble ezingama-20,000.
Ingaba isebenza kanjani? Umzekelo, uJulia unekhadi lemivuzo, ilondolozo lokungabi nambambisi, njengoko ikhadi likhuphe umqeshi ogqibe isivumelwano somvuzo kunye nebhanki. Kwaye uJulia unekhadi lebhanki lebhanki enye neKesbank, inkonzo yakhe yenyanga ixabisa i-ruble eyi-150. Le ngumzuzu, i-rubles ngonyaka. Kodwa uJulia akabhatali uJulia ngokusebenzisa eli khadi, kuba izaziso zeSMS zikhule kakuhle (ukonga i-ruble i-720 ruble ngonyaka), kwaye ikhululekile kwikhadi lemivuzo. Kwangelo xesha, uchitha ngaphantsi kwe-ruble engaphantsi kwe-5,000 ngenyanga ngokuthenga kwikhadi letyala ngenyanga, efezekisa imeko ebonelelwa yiBhanki.
Ukukhawuleza, kodwa ufile?
Kuba abo azikabi nazinjongo ukuzuza ipesenti evela intsalela, ezinye iibhanki kusekho zinika umba "ngephanyazo" Ngephanyazo iimephu apho intlawulo yenkonzo wonyaka akuthathi okanye imali ukuya imali engange-150 ukuya-300 ngonyaka ngamnye. Amakhadi okukhutshwa kwephanyazo (Ukukhutshwa ngokuthe ngqo ") kukhutshwa ngokukhawuleza xa unxibelelana nebhanki.
Igama lomniniyo alibonisi igama lomnini, kodwa unazo zonke ezinye iimpawu zekhadi lebhanki leklasi:
- Inani kunye nexesha lokuqinisekiswa kwekhadi linyibilikisiwe kwicala elingaphezulu;
- Kukho ukufikelela kwiinkonzo ezisisiseko, kubandakanya intlawulo yokunxibelelana;
- Ukuthenga unokuthenga iibhonasi;
- Ungayibopha iBhili nakweyiphi na imali;
- Imephu iboniswe kwi-bhanki yeselula.
Iimeko zokuNikeza I-Debit Debbit GARDE I-DEAP inokuthi inyikitywe kwi "Classic": Umda wokususa imali uya kuba phantsi, kwaye iKhomishini igqithisileyo, inzala isenokungafumaneki kuzo zonke iivenkile ezikwi-Intanethi. Ukongeza, ezinye iinkonzo (izaziso zokutyhala, iingxelo ezincinci kwi-ATMs, njl. Njl.) "
Ukuba yeyona "cheese"
Ngokuphathelele kwiikhredithi zasimahla, kubandakanya no -nnenenaal kwaye "kwangoko", yonke into ixhomekeke kwirhafu: iibhanki zihlala zibeka iimeko zokugcina simahla.
Kwi-VTB, umzekelo, kukho imephu "yetyala" yetyala "- ekuqaleni ikhululekile, kodwa xa iqhagamshelwe kwinkqubo yebhonasi, umrhumo wonyaka uya kuba malunga ne-ruble i-ruble.
I-Banknote "Ungayiqhagamshela yonke" iRosbank yaqhagamshelana nangoko kwiKeshub, kodwa ngenxa yolondolozo lwasimahla, ukutshintsha kwenyanga kwimephu kufanele kube yi-rubles i-15,000 ubuncinci. Kwezinye iibhanki "zibonakaliswe", inani lokuthenga kwikhadi letyala lingavela kwi-7000 ukuya kuma-70,000 ngenyanga, kwaye ngenkcitho encinci, inkonzo ibandakanyiwe ngokuzenzekelayo.
Kwenzeka ukuba amakhadi okuthenga ngetyala akhutshwe kwaye anikwe iinkonzo zasimahla kwaye kubonakala ngathi ngaphandle kweemeko, kodwa zonke izibonelelo zitya ipesenti ephezulu (ukusuka kwi-20% nangaphezulu), ixesha elifutshane. Ke funda uluhlu lweerhafu phambi kokuba uvume "ishizi yasimahla".
Kutshanje, iibhanki ziya zisiba mandundu angenazikhulu zedijithali ezingenamithombo yeendaba. Ngokungafaniyo namakhadi ahlelwayo, ejolise ikakhulu ukuhlawula izinto ezithengiweyo kwi-Intanethi, amakhadi anjalo aphantse onke amathuba "ngeplastiki" eqhelekileyo. Kuyinyani, abafumaneki kuye wonke umntu.
Akunakwenzeka ukuba uphulukane neKhadi leDijithali, kunzima ukuyisebenzisa, kodwa ukuze uyisebenzise kwivenkile engafakwanga kwi-intanethi okanye ususe imali kwi-terminal engenayo i-NFC kunye nenkonzo edityanisiweyo ye-Apple Press, okanye i-Samsung hlawula, okanye intlawulo ye-Android. I-ALIS, ayizizo zonke amakhadi edijithali angenasiseko kwinkonzo ngaphandle kweemeko ezongezelelweyo, ngoko kufanelekile ukuhlolisisa iimfuno zeBhanki ngaphambi kokuyeka ngokupheleleyo "ngeplastiki".
Kwiimeko ezifanayo, xa intlawulo yenkonzo yekhadi idluliselwe kwirhafu, ayizukuyifaka: I-Bhanki iya kususa imali efunekayo. Kwangelo xesha, kwi-thabatha, ne-"ye-zero" ikhadi lebhanki aliyi kuhamba, kodwa imali iyakushiya, kamsinya nje emva kokuba nayiphi na intlawulo ihlawulwe- kwaye iphinde ihlawulwe intlawulo. Kwimeko ye-overdraft exhumene okanye ngekhadi letyala, imeko inzima ngakumbi: unokuqiniseka ukuba akukho tyala kwimephu, kodwa emva kokubhala ityala lenkonzo, imali mboleko engalindelekanga.
Ngamafutshane, ibhanki ihlala ihlala ingena ngaphakathi: ukubhengeza amakhadi enkonzo yasimahla, usafumana eyakhe - kwezinye, iimveliso zeprimiyamu, iinkonzo, okanye iipesenti zemali ngaphezulu komda. Kodwa uthando lwabathengi kwii-freebies alunakusebenza, kwaye iibhanki ziyixhasa kuphela kwaye zisetyenziswa ngempumelelo. I-Tom kunye nokuma.
